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Forgot a scary story…
Chinese personal savings have fully entered the stage of “0-digit widespread appearance, 1-digit becoming mainstream, 2-digit becoming increasingly scarce.”
State-owned major banks’ one-year fixed deposits are no longer “1-digit,” but 0.95%.
Saving 100k yuan for a year yields about 950 yuan in interest; if kept in a current account, only 50 yuan in a year.
Large-denomination certificates of deposit are also beginning to break 1.
Eastmoney reports that several state-owned banks have cut down large-denomination CD interest rates, with the annualized rate for one-month and three-month large CDs dropping to 0.9%, marking the first time in recent years that it has fallen below 1%.
According to this trend, will my savings become negative every year in the future…